give me your monthly insurance salary on behalf of the daddy

When being thing of the unlikely event in the father, being able to receive the insurance money in place of the salary of the father, furthermore you know cheap insurance?

* When the father by any chance is, the insurance which inserts the money in every month housekeeping expenses (the 1st page)
* Necessary guarantee amount keeps decreasing with lapse of the number of years (2nd page)
* Earnings guarantee insurance to be easy to adjust to necessary guarantee amount insufficiency and wastefulness is little, (the 3rd page)
* As for premium how much? (4th page)

When the father by any chance is, the insurance which inserts the money in every month housekeeping expenses

Name differs depending upon the insurance company, but there is an insurance which is called earnings guarantee insurance and family earnings insurance.

Until when feature of this insurance in the father (the insured) is a thing of the unlikely event, has become high-level obstacle state, every month, in a way, gratuitous indemnity or high-level obstacle annuity, when making a contract the term insured which is decided ends the insurance money is paid.

* As for insurance those which cover the money which becomes insufficient? Those in order to make a profit?

Insurance in the first place it is something which supports the family and the housekeeping expenses which remain economically.if there was any chance that daddy, future, and can compensate for the economic damage that will not pay child into the household, this can also be thought of as may be oginaere the cost of funeral expenses and grave, such as buddhist-fri arrangement as at the time of death.

you may have been life insurance contract in the amount of security sometimes far exceeding the amount of security required. as an example a, need of the original guarantee amount3,000but such is life insurance million yen5~6,000in such cases it is has also become a million yen.

in this case, but also feel that insurance is obtained by multiplying get extra if there is any chance that daddy, that minute, will be continue to bear the extra expensive insurance premiums.

security amount required vanishing with the passage of years to next page

security amount required vanishing with the passage of years

if there is any chance that daddy, money to the household will not enter except such as public pension survivor’s pension.

for example, mom at the time30at the age of, which is the average life expectancy85.49years (ministry of health, labour and welfare2005year abridged life table) if you live to, then about55year, must be prepared in such insurance can cover living expenses in the amount of money, such as public pension income and a shortage of mom. insufficient amount (amount of security required) is55provisionally-year11,000consider it as ten thousand yen.

10years later (mom40at the age of) , if you had the chance to be daddy, that10the annual mean is because mom and dad have been alive and well, then, mom goes live45it may be oginaere the shortfall, such as years’ worth of living expenses, 7,500ten thousand yen is defined as the amount of security required.

further10years later (mom50at the age of) if you had the chance to be daddy to, from there35so it comes to the shortfall may be oginaere years’ worth of, security amount required to decrease further4,000suppose you become ten thousand yen.

think of it like this and go, the need for a lifetime guarantee amount is not necessarily constant, yearsthat thing you know will decrease.

security amount required lifestyle and way of life values, in the example, the contents of the dream we want to achieve future, people have different.

gap of the amount of security required and the amount of life insurance general insurance

on the other hand, amount of life insurance many people have joined in general insurance is insurance amount when the contract is continued much.

insurance amount at the time of subscription30at the age of5,000is a situation where you are as much an update in the amount of retirement age up to about ten thousand yen once you and i. such as the square is where landscape and image in the form of the amount of security.

mom and see in the example above30guarantee amount is required at the age of1one hundred million1,000because it was ten thousand yen, 6,000shortage of ten thousand yen. 40at the age of the7,500amount necessary for the security of ten thousand yen2,500shortage of ten thousand yen, 50at the age of the amount necessary security4,000ten thousand yen1,000excess amount will be about ten thousand yen. completely, it seemed that i have clothes on does not match the size.

income guarantee insurance are less easy to fit in and waste out of the amount of security required to next page

income guarantee insurance are less easy to fit in and waste out of the amount of security required

this insurance guarantee insurance income

income guarantee insurance as a form of security is a horizontal triangle.

guarantees of mama30~50higher among young insurance amount required over a long period of time in the year-long, yearssecurity will continue to decrease. that minute, this setting is also reasonable insurance premium for the guarantee.

contents of the guarantee is, dad30subscribe to at the age of60in the age of maturity, 30if you and i receive ten thousand yen, if there was any chance that daddy, if you are live from that point60until the age would have been, certain amount of years will be paid monthly to the remaining family.

insurance (pension) receive is like this

in this case, 1if there is any chance that dad years later, 1one hundred million800security amount of ten thousand yen (30million yen×12months×30year) can ensure, 40if you later at the age of7,560million yen, 50at the age of3,960you can get the security of family ten thousand yen.

originally, that is basic survivor’s pension will be paid every month as insurance, you can also receive money will receive a batch of future.

but, i would pay money together for decades ahead will pay if the insurance company, if you want to receive bulk rate minutes will be deducted.

in the example above1when dad died after a year later30over the years, the total amount of pension received1one hundred million800it was ten thousand yen, if you want to receive in bulk is about8,384will be ten thousand yen.

also by reducing the amount of money received, could i interest with the interest rate if you put such deposits entrusted to his mom in the insurance money received.

year1%also to calculate interest rates of time deposits in, 8,384interest of approximately ten thousand yen for the year67million yen (after-tax) . 30years and about it2,010will be ten thousand yen, will be almost the same amount as the total amount of money each month to receive pension and combined. it should be noted, payment of premiums is no longer required at the time since papa died.

how much is the insurance premium? to next page

how much is the insurance premium?

reasonable insurance premiums in the industry insurance sompo japan himawari life income guarantee insurance (type there is no cash surrender value) premium content, join in the security of the following conditions are as follows in.

papa?30years, healthy non-smoking
amount of insurance?30million yen (1amount per year of months)
period of insurance?60up to the age of
how to pay insurance premiums?monthly payments
minimum guarantee insurance?5year type
(59from there even if you died at the age of5guarantee the payment of monthly pension year)

monthly premium 8,850yen (the premium of maturity60does not change up to the age of)

term insurance insurance amount does not change in type over the company’s abandoned (30years old and non-smoking healthy body60type insurance premiums with no cash surrender value is low and the age of maturity and dividend) is as follows: compared to the premiums.

amount of insurance 5,000monthly premium in million yen10,500yen, 1in billions of yen21,000yen

difference of each premium is guaranteed for the amount it is obvious. security against the amount of waste is unlikely to occur need, guarantee a reasonable income insurance premiums, is recommended.

security necessary to reduce the waste of insurance while ensuring, for the future, we would like to the creation of wealth as well spend a comfortable life even if you have a long life in good health!

annual premium of mom16,850merely yen!
is it safe? of home insurance

there is no waste to create a security that suits you, to mom and dad want to achieve a comfortable life is a must-read money for a family plan guide issued by the registered mail magazine from here